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Our checking is simply…affordable.

We offer simple checking accounts with NO monthly service fees.

Champion Checking

Discover more possibilities with an interest-bearing checking account, with tiered rates up to 4.00% APY¹.

  • Minimum initial account deposit of $3,000.00
  • Minimum average daily balance required
  • Minimum 5 debit card transactions per month²
Champion Checking Tiered Rates
Average Daily Balance APY¹
$3,000.00 - $99,999.99 3.00%
$100,000.00 or more 4.00%
Enjoy these great benefits while your money works for you:

  • No monthly service fees
  • Free Visa® debit card
  • Online banking with Bill Pay
  • Free mobile banking³
  • Free ATMª transactions

Free Checking

Our most popular checking account for members who want a checking account in addition to their savings account.

  • No monthly service fees
  • No minimum balance requirements
  • Free Visa® debit card
  • Online banking with Bill Pay
  • Free mobile banking³
  • Free ATMª transactions

Senior Rewards Checking

A free account available to members 62+.

  • No monthly service fees.
  • No minimum balance requirements.
  • Free Visa® debit card
  • Online banking with Bill Pay
  • Free mobile banking³
  • Free ATMª transactions
  • May be eligible for the Discounted Heating Oil/Propane Gas Loan.
  • Free checks - limit 2 boxes per year
  • Free 3x5 Safe Deposit Box (when available)
  • Free Cashier's Checks
  • Free check copies
  • Free copies, faxing, and shredding

VISA® Debit Card

It's a safe, convenient alternative to using checks or carrying cash. Get it FREE with CCU checking accounts.

  • Unlike a credit card, your purchases come from your account.
  • Use it anywhere VISA® is accepted
  • Verified by Visa®
  • Protection against card fraud, theft, and unauthorized purchases

As your cards renew, they will be equipped with the new chip-enabled enhanced security.

When used at a chip-enabled terminal, the embedded chip increases security by encrypting your information, thus decreasing the likelihood that transactional data from the merchant will be compromised.

Activate your new card or reset your PIN by calling 1-800-290-7893.   

If you experience debit or credit card-related issues outside of normal business hours, please call us at 828-648-1515 and follow the prompts to be connected to our Cardholder Assistance Line.

To report a lost or stolen VISA® debit or credit card, please call 1-888-297-3416.

¹APY = Annual Percentage Yield. Rate accurate as of May 15, 2023. Variable rate that CCU can change at any time. Fees may reduce earnings. Minimum average daily balance and 5 debit card transactions required per month to qualify for the listed APY. Federally Insured by NCUA. ²Debit card transactions include purchases (point-of-sale and PIN-based) and must post to the account by the end of the month. ³Mobile carrier fees may apply. ªAt any CCU or Cash Points ATMs. 


View Rates

Reorder Checks

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Click here to learn more about the steps to take when making the switch.

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